Savings Calculator
Calculate how regular savings develop over time. With interest and compound interest.
Final capital
29.449,96 €
Depositen
24.000,00 €
Erhaltene Interest
5.449,96 €
| Jahr | Einzahlungen | Zinsen | Gesamt |
|---|---|---|---|
| 1 | 2.400,00 € | 44,49 € | 2.444,49 € |
| 2 | 4.800,00 € | 188,58 € | 4.988,58 € |
| 3 | 7.200,00 € | 436,31 € | 7.636,31 € |
| 4 | 9.600,00 € | 791,92 € | 10.391,92 € |
| 5 | 12.000,00 € | 1.259,80 € | 13.259,80 € |
| 6 | 14.400,00 € | 1.844,51 € | 16.244,51 € |
| 7 | 16.800,00 € | 2.550,83 € | 19.350,83 € |
| 8 | 19.200,00 € | 3.383,71 € | 22.583,71 € |
| 9 | 21.600,00 € | 4.348,29 € | 25.948,29 € |
| 10 | 24.000,00 € | 5.449,96 € | 29.449,96 € |
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How much should I save each month?
A common guideline is the 50-30-20 rule: 50% for necessities, 30% for wants, and 20% for savings and debt repayment. The exact amount depends on your income and financial goals.
What are the best savings options in Germany?
Common options include savings accounts (Tagesgeld/Festgeld), ETF savings plans, building savings contracts (Bausparer), Riester pension, and employer-sponsored savings (VWL).
What is the Savings Calculator?
The savings calculator shows how regular contributions grow into wealth over time. It is suitable for savings goals and financial planning.
How does the Savings Calculator work?
Enter the monthly contribution, interest rate and savings period. The calculator determines the final capital including compound interest. Alternatively it computes the contribution needed to reach a given target.
Key Data and Facts
The savings plan formula accounts for contributions made at the beginning or end of each period. Flat-rate tax: 26.375%. Saver lump sum: 1,000 euros/person.
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